New York, NY · Charter 15358
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
10
Profitability
10
Liquidity
65
Efficiency
29
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
New York, NY · Charter 15358
NCUA · 5 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.53% | 0.19% | 0.51% | 0.72% | 0.68% | 0.22% | -0.11% | -61 bps | |
| Return on Equity | 5.63% | 5.89% | 2.19% | 5.53% | 7.66% | 7.22% | 2.29% | -1.15% | -668 bps | |
| Net Interest Margin | 2.44% | 2.31% | 2.37% | 2.50% | 2.52% | 2.47% | 2.29% | 2.36% | -14 bps | |
| Efficiency Ratio | 79.70% | 79.25% | 87.85% | 80.49% | 75.36% | 75.44% | 88.87% | 81.20% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.05% | 5.77% | 6.70% | 6.87% | 6.28% | 2.65% | 0.94% | 0.62% | -625 bps | |
| Loan Growth (YoY) | -0.37% | -1.51% | -3.10% | -4.92% | -5.00% | -5.35% | -5.58% | -4.72% | +20 bps | |
| Share Growth (YoY) | 2.97% | 5.90% | 6.68% | 6.74% | 5.65% | 1.34% | -0.05% | -0.05% | -680 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.22% | 0.30% | 0.23% | 2.67% | 2.64% | 2.57% | 2.64% | +241 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.22% | 9.03% | 8.87% | 9.14% | 9.36% | 9.49% | 9.48% | 9.47% | +33 bps | |
| Net Worth / Assets | 9.22% | 9.03% | 8.87% | 9.14% | 9.36% | 9.49% | 9.48% | 9.47% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.19% | 74.36% | 71.61% | 70.89% | 70.31% | 69.45% | 67.66% | 67.58% | -331 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
New York, NY · Charter 15358 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 5 branches
Q2 2026
Return on Assets
-0.11%
Rank 51 of 59
Net Interest Margin
2.36%
Rank 57 of 59
Efficiency Ratio
81.19%
Rank 43 of 59
Equity / Assets
9.47%
Rank 56 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.11% | 0.28% | 1.01% | 1.42% | Beats 14% | 51 / 59 | ||
| Return on Equity | -1.15% | 2.31% | 7.92% | 10.52% | Beats 12% | 52 / 59 | ||
| Net Interest Margin | 2.36% | 3.24% | 3.66% | 4.04% | Beats 3% | 57 / 59 | ||
| Efficiency Ratio | 81.19% | 63.53% | 74.15% | 82.44% | Beats 29% | 43 / 59 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.64% | 0.32% | 0.68% | 1.20% | Beats 10% | 54 / 59 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.47% | 10.94% | 13.05% | 16.06% | Beats 5% | 56 / 59 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.47% | 10.94% | 13.05% | 16.06% | Beats 5% | 56 / 59 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.58% | 40.49% | 57.59% | 78.86% | 64th pctl | 21 / 59 | ||
| Loans / Assets | 60.31% | 33.06% | 50.92% | 63.03% | 69th pctl | 18 / 59 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||